ICICI Bank Emeralde Credit Card
Fees
₹12,000 + Taxes
Joining & AnnualReward Rate
4 Reward Points per ₹100 spent on all categories
Welcome Bonus
Complimentary golf and lounge access from day one; welcome offer varies by current promotion
Lounge Access
Unlimited Domestic + International
FindMyCard Expert Take
The ICICI Bank Emeralde Credit Card from ICICI Bank offers Unlimited Airport Lounge & Golf Privileges with an annual fee of ₹12,000 + Taxes.
Pros & Cons
Key Advantages
- Unlimited complimentary domestic and international airport lounge access
- Complimentary golf round/lesson per ₹50,000 monthly spend, up to 4/month
- 4 Reward Points per ₹100 spent across all categories
- Fee waiver threshold (Annual fee waived on ₹15 Lakh annual retail spends)
Limitations
- ₹12,000 fee needs ₹15 Lakh annual spend to waive
- Golf rounds capped at 4/month regardless of higher spends
- No dedicated airline mile transfer program, unlike travel-focused cards
Editorial Verdict
The ICICI Bank Emeralde Credit Card is ideally suited for unlimited airport lounge & golf privileges. If you want 4 reward points per ₹100 spent on all categories, this card delivers real value. The ₹12,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹15 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹12,000 + Taxes
💡 Annual fee waived on ₹15 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare ICICI Bank Emeralde Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| ICICI Bank Emeralde Credit Card This Card | ₹12,000 + Taxes | 4 Reward Points per ₹100 spent on all categories | Unlimited Domestic + International | 4.8/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |